Residential Mortgages

Overview

If your customer is planning to purchase or remortgage, is self-employed, a first-time buyer, or looking to purchase a new build property our residential mortgage range could be right up their street. Even if they have a less than perfect credit profile we are here to help.

Making it easier

Click here to view our submission guide. This document has been designed to help provide a smooth application process for you and your customer.

Who is this range for?

Remortgage customers
Customers buying new build properties
First-time buyers with no product restrictions
Customers looking for an alternative to high street lenders
Those with a less than perfect credit history
Self-employed with only 1 year's tax calculation and HMRC Tax Year Overview or accounts

Packager Panel

Let our Packager Panel do the work for you.

You can submit a residential or buy to let mortgage to us direct or alternatively you can introduce a case to one of our packagers.

Contact one of our packagers direct today.

Bank of England Base Rate (BBR) Trackers and the Reversion Rate

BBR Trackers and reversion rates are variable rates that are linked to the Bank of England base rate. For new applications, any change to BBR will apply on our systems and documentation the next day. For existing accounts, any change to BBR will apply on the day of the change.

All of our BBR tracker products have a floor. This means that if BBR were to fall to 0.00% or less the rate payable will be 0.00% plus the agreed set percentage above BBR. This means that the rate payable will never go below 0.00% plus the additional percentage rate of the tracker mortgage.